Our Loan Programs

VA Loans (For Veterans & Active-Duty Military)

• Designed for veterans, active-duty service members, and eligible spouses

• No down payment required for eligible borrowers

• No private mortgage insurance (PMI)

• Competitive interest rates and flexible credit requirements

• Available for primary and secondary residences

Jumbo Loans

• For loan amounts exceeding conventional limits of $806,500

• Fixed and adjustable rate options are available

• Typically requires a higher credit score

• May require larger down payments

• For borrowers who don’t meet traditional lending criteria

• Flexible income verification methods (ideal for self-employed)

• Alternative credit evaluation available

• Customizable loan terms to fit unique financial situations

Non-QM Loans

Down Payment Assistance (DPA) Program

• Assistance options:

  • Grants for up to 5% – No repayment required

  • Forgivable second lien – Forgiven over time if the borrower remains in the home for a certain amount of time

  • Repayable second lien – Low-interest loan repaid over time

• Income limits: Based on area median income

• Credit score requirement: 620+

• Homebuyer education: Usually required

Reverse Mortgages

• For homeowners aged 62+ looking to access home equity

• No monthly mortgage payments (home must remain primary residence)

• Multiple payout options – lump sum, monthly payments, or line of credit

• FHA-insured loan with built-in borrower protections

• Retain homeownership while converting equity into cash

• Repayment is deferred until the home is sold or no longer occupied by the borrower

• Lower your monthly payment with a better interest rate

• Shorten your loan term to pay off your home faster

• Cash-out refinance is available to access home equity

• Switch from adjustable to fixed-rate for stability

• Debt consolidation option to combine high-interest debts

Refinance Loans

Investor Loans

Debt Service Coverage Ratio (DSCR) Loans

Ideal for investors focusing on rental income rather than personal income verification.

• Loan amounts from $75,000 to $5 million

• Up to 85% Loan-to-Value (LTV) for purchases with a 720 FICO score

• No personal income documentation required

• Suitable for 1–4 unit properties, including short-term rentals

• First-time investors welcome

Fix & Flip Financing

For investors aiming to purchase, renovate, and sell properties quickly.

• 100% financing of renovation costs

• 12-month interest-only terms

• Up to 85% of total project cost financing

• Available for non-owner-occupied 1–4 unit properties

Need Help Choosing the Right Loan? Contact Us!